HSB and Marsh Commercial

Enhanced products: Insurance

In addition to our standard products and services, we also offer enhanced products and services to Marsh Commercial

Marsh Commercial logo
© Jelf Insurance Brokers Ltd t/a Marsh Commercial and Marsh Private Clients

HSB Computer Insurance | A commercial product designed specifically to offer protection for computer-related risks.

The policy is split into four sections of cover, providing customers with the flexibility to choose the level of cover they need.

HSB Computer Insurance is also available to you on Acturis, or via our extranet trading system; enabling you to quote and bind policies with ease.

Enhancements

Increased policy limits for:

  1. Extra hardware - £1,000,000
  2. Extra hire or lease costs - £100,000
  3. Fire brigade charges – £100,000
  4. Recovery of hardware - £100,000
  5. Security guard costs - £100,000

Additional covers:

  1. Energy efficiency improvements following a claim – 10% of replacement cost or sum insured, whichever is the less
  2. Debris removal – £100,000
  3. Investigation costs - £100,000
  4. Recovery reward - £100,000
  • HSB Construction All Risks Insurance (annual or project) | Provides comprehensive cover for construction, buildings and civil engineering projects
  • HSB Contractors' Plant Insurance (owned or hired-in) | Provides protection for unforeseen loss or damage to construction plant and equipment

Our construction products are also available to you via the Acturis e-trading platform; enabling you to quote and bind cover, process mid-term adjustments and obtain renewal terms with ease.

The top five influences impacting the UK construction market

Construction All Risks Insurance

Annual: Contract Works, Own Plant, Hired-In Plant, Employees' Tools and Personal Effects, and Machinery Movement

Project: Contract Works, Advance Loss of Profits, Own Plant, Hired-In Plant, Employees’ Tools and Personal Effects, and Machinery Movement

  1. Cover for testing and commissioning
  2. Removal of the application of heat clause
  3. Addition of the marine transit 50/50 clause
  4. Owned Plant - Restated of "How much we will pay" from 2 year's old to 3 year's old.
  5. Employees tools covered away from contract sites
  6. Machinery Movement – definition of transit includes roll-on roll-off ferry
  7. Cover for plans and documents - £50,000
  8. Cover for professional fees - £50,000
  9. Damage to security devices - £5,000
  10. Damage to that substitute equipment following a loss - £50,000
  11. Additional cost of construction - 10% of the contract price or £200,000
  12. Fuel tank drainage - £2,500
  13. Own surrounding property - £25,000
  14. Sign writing or livery - £5,000
  15. Transportation of damaged insured property - £25,000

HSB Contractors' Plant Insurance

  1. Owned Plant - Restated of "How much we will pay" from 2 year's old to 3 year's old.
  2. Damage to security devices - £5,000
  3. Damage to that substitute equipment following a loss - £50,000
  4. Fuel tank drainage - £2,500
  5. Own surrounding property - £25,000
  6. Sign writing or livery - £5,000
  • HSB Machinery and Technology Insurance | An equipment breakdown and damage, deterioration of stock, and business interruption policy all in one.
  • HSB Machinery and Technology Combined | An equipment breakdown and damage, deterioration of stock and loss of business income insurance policy which also includes inspection services.

Enhancements

HSB Machinery and Technology Insurance
© Getty Images

Increased policy limits for:

  1. Building Management Systems – restoration of data - £25,000
  2. Temporary removal – worldwide - £100,000
  3. Deterioration of Stock – cover for failure of electricity network at the insured location

Additional cover:

  1. Deterioration of Stock - refrigerated vehicles - £10,000

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